White Label E-Wallet API for Secure Digital Money Management

Complete Digital Wallet Solution for Marketplaces, Fintech Apps & Platforms | Build Custom Wallets with Single Payouts, Bulk Payments, Wallet-to-Wallet Transfers & QR Code Payments | Secure, Scalable, Developer-First API

Secure money transfer API enabling instant fund transfers between bank accounts.

AOPAY: Secure Enterprise E-Wallet Solution For Businesses & Merchants

Build and launch your own digital wallet platform with our comprehensive digital wallet designed specifically for fintech companies, marketplaces, gig economy platforms, and entertainment apps requiring secure, scalable, and feature-rich wallet capabilities.

Complete Wallet Management System

Create and manage digital wallets for users, merchants, and businesses. Support loyalty points, and virtual balances with real-time synchronization across all channels.

Multi-Channel Payment Processing Wallet

Enable wallet top-ups via cards, bank transfers, and third-party integrations. Process wallet-to-wallet transfers, QR code payments, payment links, and instant withdrawals to bank accounts.

White-Label Digital Wallet Solution

Launch branded wallet experiences for your platform with customizable UI, workflows, and business logic. Perfect for marketplaces, neo-banks, and loyalty platforms requiring unique wallet features.

Real-Time Balance & Transaction Management

Instant balance updates, transaction notifications, and real-time settlement capabilities. Support for hold amounts, pending transactions, and automated reconciliation across multiple wallet accounts.

Compliance & Security Built-In

KYC/KYB verification, AML monitoring, fraud detection, and regulatory compliance features integrated into wallet operations. PCI DSS compliant infrastructure for secure payment processing.

Developer-Friendly Integration

RESTful APIs, comprehensive documentation, SDKs for major platforms, webhook notifications, and sandbox environment for rapid wallet feature development and testing.

E-Wallet Features & Capabilities for Businesses

Everything you need to build, launch, and scale digital wallet solutions for your platform with enterprise-grade security and performance.

Wallet Creation & Management

Loyalty points and virtual currency wallets
Multi-wallet support per user account
Real-time balance tracking and updates
Wallet freeze/unfreeze capabilities
Sub-wallet creation for business accounts
Automated wallet provisioning via API

Fund Management & Transfers

Wallet top-ups via cards, bank transfers, UPI
Wallet-to-wallet instant transfers
Single payout to bank accounts
Bulk payout processing for marketplace settlements
Payment link generation for wallet top-ups
QR code payments for in-store and online
Request money and split payment features
Scheduled and recurring payments

User Onboarding & Verification

Self-registration with email or phone verification
Two-factor authentication (2FA) for security
Automated KYC/KYB with document verification
Risk-based wallet limits and tier upgrades
User profile and settings management
Linked cards and bank accounts
Biometric authentication support

Transaction Processing & Settlement

Instant wallet-to-wallet transfers
Real-time balance updates and notifications
Automated settlement and reconciliation
Transaction holds and pending amounts
Refund and chargeback processing
Split payments for multiple recipients
Fee management and commission distribution

Security & Compliance Framework

PCI DSS Level 1 compliance for card transactions
End-to-end encryption for all sensitive data
AML transaction monitoring and suspicious activity alerts
Fraud detection with machine learning algorithms
Wallet freeze capabilities for compliance
Comprehensive audit trails and activity logs
GDPR and data privacy compliance

Merchant & Business Wallets

Merchant wallet accounts with settlement management
Payment acceptance via wallet balance
Multi-user access with role-based permissions
Transaction reporting and analytics
Automatic settlement scheduling
Invoice generation and payment requests
Reconciliation tools for accountants

Fast & Easy E-Wallet API Integration for Developers

Get started quickly with our developer-friendly API designed for seamless wallet integration into your platform, mobile app, or web application.

POST /api/v1/wallet/create
{
  "user_id": "USER12345",
  "currency": "INR",
  "wallet_type": "personal",
  "initial_balance": 0
}

POST /api/v1/wallet/transfer
{
  "from_wallet_id": "WALLET001",
  "to_wallet_id": "WALLET002",
  "amount": 50.00,
  "currency": "INR",
  "description": "Payment for services",
  "reference": "TXN-2024-001"
}

POST /api/v1/wallet/topup
{
  "wallet_id": "WALLET001",
  "amount": 100.00,
  "payment_method": "card",
  "card_token": "tok_xxxxx"
}

POST /api/v1/wallet/withdraw
{
  "wallet_id": "WALLET001",
  "amount": 200.00,
  "bank_account": {
    "account_number": "XXXX1234",
    "routing_number": "123456789"
  }
}

GET /api/v1/wallet/{wallet_id}/balance
Returns current wallet balance and transaction history

View API Documentation Access Developer Sandbox

AOPAY: Monetize & Scale Your Wallet Platform

Unlock revenue opportunities and optimize profitability with flexible fee structures, advanced analytics, and loyalty programs built for modern digital wallet platforms.

Flexible Revenue Models

Transaction fees on wallet-to-wallet transfers
Top-up fees with percentage or flat rate models
Withdrawal fees to bank accounts or cards
Premium wallet features and subscription tiers
Merchant fees for payment acceptance

Customizable Fee Management

Configure transaction fees by user segments
Volume-based pricing tiers for high-value users
Fee bearer configuration (sender or receiver)
Dynamic pricing based on payment method
Promotional fee waivers and discounts

Advanced Analytics & Reporting

Real-time wallet usage and transaction analytics
User behavior and spending pattern insights
Revenue tracking and fee collection reports
Wallet balance distribution analysis
Churn prediction and retention metrics

Loyalty & Engagement Features

Cashback and rewards program integration
Referral bonuses credited to wallets
Gamification with points and achievements
Promotional campaigns and wallet incentives

Tailored Digital Wallet App Solution For Every Industry

For Marketplaces & E-commerce

Enable seamless buyer-seller transactions with marketplace wallets, escrow management, instant settlements, and multi-party payment splits for commissions.

For Fintech & Neo-Banking

Launch full-featured digital wallets for neo-banks with savings, investments, bill payments, and peer-to-peer transfer capabilities.

For Gig Economy Platforms

Provide instant earnings access for drivers, delivery partners, and freelancers with flexible payout options and low-fee transfers.